We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 1173 results
-
Decision Reference DRN-5253654
10 Jan 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5253654 The complaint Mrs L says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs L took out an Aqua credit card from NewDay in December 2023. She was given a £1,200 credit limit. This was increased to £2,400 in April 2024. Mrs L says the repayments are unaf... (3 pages)View decision -
Decision Reference DRN4442384
12 Jul 2019 NewDay Ltd UpheldBanking and creditMiss A complains that NewDay Ltd acted irresponsibly in giving her a credit card and then frequently increasing its limit.backgroundI issued my provisional decision on this case on 13 May 2019. A copy of it is attached and it forms part of my final decision. The full background to the comp... (5 pages)View decision -
Decision Reference DRN-5786879
17 Oct 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5786879 The complaint With the help of a professional representative (PR), Mr S complains that NewDay Ltd trading as Aqua lent to him irresponsibly. For ease, I’ll refer to the actions of the PR as being those of Mr S. What happened Mr S applied for and received a credit card with N... (4 pages)View decision -
Decision Reference DRN-3081877
19 Nov 2021 NewDay Ltd UpheldBanking and PaymentsDRN-3081877 The complaint Miss K complains that NewDay Ltd irresponsibly allowed her to open a credit card account and later increased the credit limits. She says the lending was unaffordable. What happened Miss K says she opened the NewDay credit card account in 2015. She says her credit ... (3 pages)View decision -
Decision Reference DRN4059760
24 Jun 2019 NewDay Ltd Not upheldBanking and creditMr H complains that NewDay Ltd lent irresponsibly when it gave him a credit card account.backgroundMr H said NewDay accepted his application for a credit card. But he couldn’t afford it. He had a lot of debt and was using payday loans. His account was always at the limit and he was only pa... (2 pages)View decision -
Decision Reference DRN-3169391
24 Jan 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3169391 The complaint Miss L complains that NewDay Ltd irresponsibly increased the credit limit on her account to unaffordable levels. She also complains that NewDay suspended the use of her account when she brought her complaint. What happened Miss L says the NewDay account was opened... (3 pages)View decision -
Decision Reference DRN-3893995
20 Jan 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-3893995 The complaint Ms F has complained that NewDay Limited irresponsibly lent to her What happened Ms F opened a shopping account with NewDay in May 2007. At that point her credit limit was set at £200. It was increased once in August 2007 to £900. Ms F says that she couldn’t affor... (2 pages)View decision -
Decision Reference DRN-5840745
30 Sep 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5840745 The complaint Mrs N on behalf of Miss N complains that NewDay Ltd trading as Fluid Credit Card (NewDay) lent to her irresponsibly. What happened Miss N opened a credit card account with NewDay in January 2022 with a credit limit of £1,500. Miss N complained to NewDay about... (3 pages)View decision -
Decision Reference DRN-4415349
8 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4415349 The complaint Mr F says NewDay Ltd, trading as Marbles, irresponsibly lent to him. What happened Mr F applied for a credit card in January 2022. It was approved with a limit of £900 and he was given two subsequent credit limit increases. The first was in June 2022 to £1,900 and... (3 pages)View decision -
Decision Reference DRN-5380881
24 Apr 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5380881 The complaint Mr E complains that NewDay Ltd lent irresponsibly when it approved two credit card applications he made and increased the credit limits. What happened Mr E applied for a Fluid credit card in May 2018. In his application, Mr E said he was employed and had a mon... (3 pages)View decision